Advertisement
PNC vs TFC
Which Stock Would AI Choose? The PNC Financial Services Group (PNC) vs. Truist Financial Corporation (TFC) Stock Comparison
Key Takeaways
- The PNC stock has delivered stronger year-to-date returns of 10.44% compared to TFC's 4.35%, reflecting robust momentum in recent market activity.
- Both banks reported positive Q1 2026 earnings beats, with PNC showing 13.8% quarterly revenue growth driven by its FirstBank acquisition, outpacing TFC's 5.2% rise.
- TFC offers a higher dividend yield at 4.09% versus PNC's 3.00%, appealing to income-focused investors.
- PNC boasts a larger market cap of $91.6 billion and higher return on equity (ROE, a measure of profitability relative to shareholders' equity) at 12.10% compared to TFC's $63.3 billion and 8.58%.
- Over the past 12 months, PNC has outperformed TFC with returns of approximately 47% versus 38%.
Introduction
This stock comparison examines PNC and TFC, two prominent regional banks operating in the competitive U.S. financial sector. Both companies provide retail and commercial banking, wealth management, and lending services, making them relevant for investors seeking exposure to regional banking amid shifting interest rates and economic conditions. Traders analyzing relative performance, dividend yields, and growth catalysts in recent market activity will find value in understanding their business models, recent earnings, and momentum. This analysis highlights key contrasts to inform stock comparison decisions without speculation.
PNC Overview and Recent Performance
The PNC Financial Services Group, Inc. is a diversified financial institution offering banking, asset management, and corporate services across the U.S., with a strong presence in the Midwest and Southeast. In recent weeks, PNC shares have shown resilience, trading around $227 with a 52-week range of $151 to $244. Year-to-date gains stand at 10.44%, supported by positive sentiment following Q1 2026 earnings. The bank reported revenue of $6.17 billion (up 13.8% year-over-year) and net income of $1.68 billion, beating EPS estimates by 4.13%. Key drivers include loan and deposit growth from the FirstBank acquisition, prompting raised 2026 guidance for 11% average loan growth and higher net interest income (NII, revenue from interest-bearing assets minus interest expenses). Trading volume has been steady, reflecting sustained investor interest amid broader banking sector recovery.
TFC Overview and Recent Performance
Truist Financial Corporation (TFC), formed from the BB&T and SunTrust merger, delivers banking, insurance, and investment services primarily in the Southeast. Recently, TFC stock has hovered near $51, within a 52-week range of $36 to $56, with year-to-date returns of 4.35%. Q1 2026 results fueled optimism, with EPS of $1.09 beating estimates, revenue at $5.2 billion (up 5.2% year-over-year), and quarterly earnings growth of 17.4%. Strength came from elevated NII and non-interest income, despite deposit cost pressures. The stock experienced upward momentum post-earnings, though it trails peers in YTD performance. Elevated trading volume underscores market focus on its strategic positioning in a normalizing rate environment.
Trending AI Robots
Tickeron’s Trending AI Robots page curates the top 25 performers from over 351 AI trading bots that analyze thousands of tickers across stocks, ETFs, and crypto. These bots employ diverse strategies like swing trading, trend following, and volatility plays, with impressive stats: annualized returns from 15.50% to 167.82%, win rates of 53.91% to 87.72%, and profit factors up to 11.70. Average trade durations range from 1 day to 55 days, catering to various timeframes and risk appetites. While none currently feature PNC or TFC, the selection highlights bots excelling in current conditions, such as those targeting financials like GS or leveraged ETFs. Explore these high-performing options to enhance your trading edge.
Head-to-Head Comparison
Both PNC and TFC operate similar regional banking models focused on deposits, loans, and fee-based services, but PNC emphasizes asset management growth while TFC leans into insurance integration. Growth drivers differ: PNC's FirstBank deal accelerates loan expansion (11% projected), contrasting TFC's organic NII reliance amid slower revenue growth. Recent momentum favors PNC with superior YTD and 12-month returns, though TFC edges in dividend yield. Risk factors include interest rate sensitivity and credit quality (non-performing loans, NCOs—or net charge-offs), with both maintaining solid ROE but PNC higher at 12.10%. Sector exposure is comparable in commercial real estate, but market sentiment tilts toward PNC post-guidance upgrade.
Tickeron AI Verdict
Tickeron’s AI currently leans toward PNC with higher probability, citing consistent upward trends, stronger earnings momentum from the FirstBank integration, and elevated loan growth guidance. TFC remains competitive on valuation and yield, but trails in relative performance and profitability metrics like ROE. This positioning suggests PNC may offer better near-term stability amid banking sector tailwinds.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is PNC is a Hold and TFC is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
PNC’s FA Score shows that 1 FA rating(s) are green whileTFC’s FA Score has 1 green FA rating(s).
- PNC’s FA Score: 1 green, 4 red.
- TFC’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
PNC’s TA Score shows that 6 TA indicator(s) are bullish while TFC’s TA Score has 5 bullish TA indicator(s).
- PNC’s TA Score: 6 bullish, 4 bearish.
- TFC’s TA Score: 5 bullish, 5 bearish.
Price Growth
PNC (@Regional Banks) experienced а -2.66% price change this week, while TFC (@Regional Banks) price change was -4.25% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.14%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +16.32%.
Reported Earning Dates
PNC is expected to report earnings on Jul 15, 2026.
TFC is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (-1.14% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| PNC | TFC | PNC / TFC | |
| Capitalization | 85.7B | 58.7B | 146% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 3.838 | -2.239 | -171% |
| P/E Ratio | 12.40 | 11.67 | 106% |
| Revenue | 23.8B | 20.6B | 116% |
| Total Cash | 6.78B | 4.97B | 136% |
| Total Debt | 66.7B | 69.1B | 97% |
PNC | TFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 74 | 67 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 74 Overvalued | 55 Fair valued | |
PROFIT vs RISK RATING 1..100 | 59 | 93 | |
SMR RATING 1..100 | 5 | 5 | |
PRICE GROWTH RATING 1..100 | 54 | 58 | |
P/E GROWTH RATING 1..100 | 51 | 53 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
TFC's Valuation (55) in the null industry is in the same range as PNC (74) in the Major Banks industry. This means that TFC’s stock grew similarly to PNC’s over the last 12 months.
PNC's Profit vs Risk Rating (59) in the Major Banks industry is somewhat better than the same rating for TFC (93) in the null industry. This means that PNC’s stock grew somewhat faster than TFC’s over the last 12 months.
PNC's SMR Rating (5) in the Major Banks industry is in the same range as TFC (5) in the null industry. This means that PNC’s stock grew similarly to TFC’s over the last 12 months.
PNC's Price Growth Rating (54) in the Major Banks industry is in the same range as TFC (58) in the null industry. This means that PNC’s stock grew similarly to TFC’s over the last 12 months.
PNC's P/E Growth Rating (51) in the Major Banks industry is in the same range as TFC (53) in the null industry. This means that PNC’s stock grew similarly to TFC’s over the last 12 months.
| PNC | TFC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 69% | 2 days ago 65% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 75% |
| Momentum ODDS (%) | 2 days ago 47% | 2 days ago 56% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 61% |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 63% |
| TrendMonth ODDS (%) | 2 days ago 60% | 2 days ago 57% |
| Advances ODDS (%) | 10 days ago 55% | 10 days ago 62% |
| Declines ODDS (%) | 5 days ago 61% | 3 days ago 63% |
| BollingerBands ODDS (%) | 2 days ago 57% | 2 days ago 70% |
| Aroon ODDS (%) | 2 days ago 53% | 2 days ago 55% |
Advertisement
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| UYG | 78.49 | 0.73 | +0.94% |
| ProShares Ultra Financials | |||
| FAB | 96.23 | 0.40 | +0.42% |
| First Trust Multi Cap Val AlphaDEX® ETF | |||
| QMMY | 26.05 | 0.02 | +0.06% |
| FT Vest Nasdaq-100 Mod Buffr ETF - May | |||
| DFIC | 38.01 | -0.08 | -0.20% |
| Dimensional International Core Eq 2 ETF | |||
| RITA | 20.77 | -0.10 | -0.48% |
| ETFB Green SRI REITs ETF | |||
TFC and
Correlation & Price change
A.I.dvisor indicates that over the last year, TFC has been closely correlated with CFG. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if TFC jumps, then CFG could also see price increases.